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panel, i must say, and i always enjoy being on a panel with scott and with rick so it's -- i think we're going to have an interesting discussion. [laughter] i want to take on just about everything that was said so let me get started. i have 10 minutes to do this. title i. tide l i of dodd-frank. right now, as you heard, it designates, in effect, the statute designates 36 bank holding companies as libel to create instability in the u.s. economy if they fail. in addition, it goes on to permit the financial state of the oversight council to designate an unknown number of additional notary public-bank institution -- non-bank institutions that could create instability in the u.s. economy if they fail. what does it mean when congress gives this authority to the fsoc or designates these -- this notion in the statute? what it says is these institutions are too big to fail so not only are we worried about the problem of too big to fail, but we have now made the problem worse by actually embedding it in the statute for the banking institutions and permitting the fsoc to designate certain instit
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